514 Center St, Garwin, IA 50632 Property Records

Tama County property record for 514 Center St, Garwin, IA 50632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,122 sqft · built 1900
Lot Size	1.38 acres (60,243 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (May 2025)
Tax Bill	$2,042 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09.11.479.012`

Property Details

APN / Parcel Number

Primary APN	`09.11.479.012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
Basement Area	440 sqft
Finished Basement	650 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,243 sqft (1.38 acres)
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	Deck Area
Patio Area	616 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	514 CENTER ST
City	GARWIN
State	IA
Zip	50632-9601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 4 RIDER'S (EX W100' S150')
Legal Subdivision	RIDER'S
Legal Block	4
Legal Lot Number	6
Jurisdiction	TAMA IA
Township / Civil Division	CARLTON
Census Block Group	3
Census Block	3024
Census Tract	290300

Owner

514 Center St is owned and occupied by an individual who bought it in May 2025.

Source: Tama County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	514 CENTER ST, GARWIN, IA 50632-9601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2025 · Amount on File
Deed Sale	May 27, 2025 · Amount on File
Prior Sale	Mar 30, 2021 · Amount on File
Deed Document Number	20251236
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TAMA IA
Recording Date	Mar 30, 2021
Property Address	514 CENTER ST, GARWIN, IA 50632-9601
Document Number	0020210971
Instrument Date	Mar 21, 2021
Instrument	2021-0971
Transaction Type	Transfer
Record Updated	May 15, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 CENTER ST, GARWIN, IA 50632-9601

Mortgage

Document Number	0020210972
Date	Mar 30, 2021
Instrument	2021-0972

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 514 Center St was $2,042.

Source: Tama County assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	Iowa
County	Tama County
Municipality	Garwin City
Unified School District	GMG Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,042.00	$113,230 Land $16,920 Building $96,310	$113,230 Land $16,920 Building $96,310
2023		$122,460 Land $16,920 Building $105,540	$122,460 Land $16,920 Building $105,540

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 514 Center St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective October 6, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 514 Center St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 58% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARWIN WATER SUPPLY serves 481 people · EPA ID IA8637079
Water Source	Purchased groundwater from IA REGIONAL UTILITIES ASSOC (WAVERLY)
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink.

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